Money Wisdom
Listen to Johnson Brunetti's Money Wisdom with Jake Doser, CFP®, CPWA® and Nicholas J. Colantuono, CFP®. Whether you’re approaching retirement or recently retired, Money Wisdom offers key financial insights to help you make informed decisions for you and your family. In a world full of financial noise, Jake and Nick aim to provide clarity, peace of mind, and practical guidance on your journey toward a secure, fulfilling retirement. Tune in each week as they address your questions and shine a light on the real financial challenges facing today’s retirees.
Episodes
Medicare may feel overwhelming, but this fast-paced episode breaks down what you really need to know in just 10 minutes. In this episode, Nick and Jake walk you through the basics: when you're eligible, how enrollment works, and what each part (A, B, C, D) actually covers. They also explain the difference between Medicare Advantage and Original Medicare with supplements, how your...
No one likes thinking about death but ignoring what happens to your money after you’re gone can leave your loved ones with stress, confusion, and financial trouble. In this episode, Nick and Jake unpack the essential documents and decisions that determine where your assets end up, from wills and probate to powers of attorney and trusts. They explain how poor planning can lead to legal headaches, tax burdens, an...
When it comes to retirement planning, two deceptively simple questions can reveal everything: Am I going to be okay? What rate of return do I actually need? In this episode, Nick and Jake unpack what those questions really mean and why getting clear answers can make or break your retirement.
From defining what “okay” looks like (hint: it’s not just a dollar amount) to calculating how hard y...
You’ve climbed the mountain and now it’s time to come down. In retirement, the question shifts from “Where should I invest?” to “Which account do I take money from first?” It’s not just about risk, but timing, taxes, and long-term flexibility. In this episode, Nick and Jake walk through the three major account types, pre-tax, Roth, and after-tax, and explain how withdrawing from ...
The headlines are loud, the markets are messy, and your gut might be telling you to do something — anything — right now. But what should you actually do when your portfolio takes a hit?
In this episode, Jake and Nick offer advice for navigating a down market without making costly mistakes. They explain why emotional reactions o...
Social Security may be one of your most reliable retirement income sources, but it’s also one of the most misunderstood when it comes to taxes. Many retirees are surprised to learn that yes, Social Security can be taxable, depending on your overall income. In this episode, we break down how the rules aren’t always as straightforward as they seem.
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Retirement isn’t just the end of your working years, it’s the beginning of what could be the most financially demanding third of your life. With people living longer than ever, planning for a 30-year retirement is no longer just smart, it’s essential. In this episode, Jake and Nick address how the old model of relying solely on Social Security and pensions doesn’t hold up anymore...
Most people go into retirement assuming their taxes will drop, but what if that assumption sets you up for a nasty surprise? In this episode, Jake and Nick unpack the “tax trap” that catches countless retirees off guard. It’s a hidden pitfall that turns decades of diligent saving into unexpected tax bills when you finally tap into your nest egg.
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When it comes to preparing for retirement, most people focus on the obvious goals of saving enough and building an emergency fund. But in this episode of Money Wisdom, Jake Doser, CFP®, CPWA® and Nicholas J. Colantuono, CFP® explore the deeper, often overlooked financial goals that truly make or break your retirement experience.
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Getting engaged later in life is an exciting time, but it requires different financial planning conversations. With blended families, different retirement timelines, and evolving goals, couples in this situation face unique challenges. Jake and Nick break down how your relationship with money changes as retirement nears and why your financial plan should evolve right alongside it...
Establishing a solid relationship with a financial advisor is crucial for effective planning, but what does that look like in practice? Jake Doser, CFP®, CPWA® and Nicholas J. Colantuono, CFP® discuss the essential role that communication plays in the client-advisor relationship to help set expectations for the planning process.
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Long-term care planning is a significant concern for individuals approaching retirement because it’s an expense most people aren’t prepared for. Trying to prepare for it with insurance isn’t cheap, and people often ask us if it’s worth it. In this episode of the Money Wisdom podcast, Jake Doser, CFP®, CPWA® and Nicholas J. Colantuono, CFP® tackle this pressi...
Preparing for required minimum distributions (RMDs) can be quite unsettling when you know withdrawals are coming and the IRS will be waiting. In this episode of the Money Wisdom podcast, we’re going to answer a question about what you can do from a planning standpoint when large RMDs are coming in retirement.
Financial planning is an essential aspect of life, but every family handles their money a little differently. The Money Wisdom podcast tackled a common question: what happens when one spouse handles all financial matters, leaving the other uninformed? This scenario, while common, can create stress and uncertainty for family members, particularly adult children who may be concern...
A health savings account can be an incredibly powerful tool for tax-advantaged savings but not every health plan includes that option. Is it worth switching your plan for one that allows you to contribute to an HSA?
In the latest episode of Money Wisdom, Jake Doser, CFP®, CPWA® and Nichol...
Most people want to know how they stack up to other people as they approach retirement, which is why people often ask about the average age most people decide to retire. We work with people across different states and regions, so we see a range of ages. In the latest episode of the Money Wisdom podcast, Jake Doser, CFP®, CPWA® and Nicholas J. Colantuono, CFP® share their personal...
One of the primary concerns for individuals nearing retirement is the desire to be debt-free. While this is a noble goal, it raises several questions about financial strategy, liquidity, and credit scores. While being debt-free may feel like a significant milestone, it is crucial to consider the broader financial picture. In the latest episode of the podcast, Jake Doser, CFP®, CP...
In today's fast-paced world, job security can often feel like a fragile concept, especially for those in their 50s. In this episode of the Money Wisdom podcast with Jake Doser, CFP®, CPWA® and Nick Colantuono, CFP®, address a listener's concern about preparing for potential layoffs and talk about steps to take if you’re facing similar uncertainties.
With more people getting divorced later in life, blended families are common, and it leads to additional conversations involving planning. One of the things that need to be addressed when someone remarries is the estate plan, particularly the beneficiaries. Do you need to make changes or can you just let your will take care of your needs?
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A key aspect of planning is finding ways to be as efficient as possible with your money and one great example of that is charitable giving. It’s something that many people care a lot about and if we can help them do that with more efficiency, it’s a win-win for everyone. That’s why this episode of the Money Wisdom podcast with Jake Doser, CFP®, CPWA® and Nick Colantuono, CFP®, is...
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